Owed is a free triage tool. It asks a few plain questions and tells you which UK benefits and discounts are worth checking for your situation, with the official link. That is all it does.
It is not a benefits calculator and does not tell you what you will get. Amounts depend on your exact circumstances. For a full calculation use entitledto or Turn2us, or get free help from Citizens Advice.
Tops up the weekly income of people over State Pension age, and unlocks other help (housing costs, council tax, a free TV licence at 75, the Warm Home Discount).
Source: GOV.UK / DWP benefit rates (2025/26). Official page
A tax-free payment for people over State Pension age who need help or supervision because of a condition. Not affected by income or savings.
Source: GOV.UK / DWP benefit rates (2025/26). Official page
A weekly payment if you care at least 35 hours a week for someone on a disability benefit. If you earn just over the limit, Carer's Credit still protects your pension record.
Source: GOV.UK / DWP benefit rates (2025/26). Official page
A reduction on your council tax bill if you are on a low income or certain benefits. Each council runs its own scheme.
Source: GOV.UK (2025/26). Official page
A 25 percent discount on your council tax if you are the only adult in your home. It is not automatic, you have to apply.
Source: GOV.UK (2025/26). Official page
Lets a lower-earning spouse or civil partner transfer part of their tax-free allowance to a basic-rate-taxpayer partner, cutting the couple's tax.
Source: GOV.UK / HMRC (2025/26). Official page
A payment for each child you are responsible for. Worth claiming even if a high earner repays some, because it protects your State Pension record and secures your child's National Insurance number.
Source: GOV.UK (2025/26). Official page
Free lunches for eligible pupils, which also triggers extra pupil-premium funding for the school. From September 2026 all children in Universal Credit households in England qualify.
Source: GOV.UK (2025/26). Official page
A prepaid card for milk, fruit, vegetables, pulses and infant formula, plus free vitamins, if you are pregnant or have a young child and on a qualifying benefit.
Source: NHS Healthy Start (2025/26). Official page
Cheaper broadband and capped or reduced water bills for people on means-tested benefits, offered by most providers. You apply directly with your provider.
Source: Ofcom / CCW (2025). Official page
A one-off rebate off your winter electricity bill for people on means-tested benefits. In England and Wales the cost-to-heat test was removed, so more households now qualify, mostly automatically.
Source: GOV.UK (2025/26). Official page
Help with rent for people over State Pension age on a low income, through Pension Credit or Housing Benefit. Unlike working-age renters (who use Universal Credit), pensioners can still make new Housing Benefit claims.
Source: GOV.UK (2025/26). Official page
Tax-free support if your husband, wife or civil partner has died and you are under State Pension age. There is a tight window: claim within 3 months for the full amount, and the lump sum is lost after 12 months.
Source: GOV.UK (2025/26). Official page
Figures checked 2026-07-24. Part of Uplifting Studios.